KR20020024241A - On-line integrated dealing system of a electronic currency and method of the same - Google Patents

Abstract

PURPOSE: An OIBS(Online Integrated Bank System) for electronic cash is provided to settle an account by selecting the specific account among bank accounts by interworking the bank accounts with a single card, or to settle accounts according to priority of the accounts, so that customers can easily settle accounts. CONSTITUTION: Cards(C1-Cn) store account information, card information, and customer information. Many card terminals(A1-An) read the stored information of the cards(C1-Cn). Many bank servers(B1-Bn) provide a lot of account information to the card terminals(A1-An), and withdraw deposit money from a specific account selected by a customer, according to a settlement request signal for a purchasing cost of the customer, then settle the account. Credit card servers provide a credit card account of the customer to interwork with the bank servers(B1-Bn), and perform credit card settlements. An OIBS is connected to the card terminals(A1-An), to selectively interwork with many accounts while paying by a credit card, and is connected to the bank servers(B1-Bn) and the credit card servers, to perform various settlement data procedures.

Description

ON-LINE INTEGRATED DEALING SYSTEM OF A ELECTRONIC CURRENCY AND METHOD OF THE SAME}

The present invention relates to an online integrated financial transaction system and method of electronic money, and in more detail, by selectively interworking with a general account and a negative account, it is possible to have a concept of a debit card and a credit card to enable convenient use of electronic money. Online integrated financial transaction system and method thereof.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, various electronic money has emerged in recent years, and electronic money is a new concept of money to replace cash in the information society. Coins and banknotes are bulky and heavy, so they are inconvenient to use, so as the information society develops, the emergence of electronic money is inevitable.

The characteristics of such electronic money are as follows. First, it should be easy to carry. Second, the third party must not know who bought what at what store. Third, counterfeiting should be difficult.

Electronic money is divided into IC card type and network type according to how the monetary value is stored. IC card type electronic money is called electronic wallet type electronic money. The bank deposit data is transferred to the IC card electronically and paid like cash through the terminal. Such IC card type electronic money cannot be used in e-commerce transactions unless it is compatible with the network type.

Networked electronic money is stored in virtual banks or on customers' computers connected to the Internet. Types include cybercoins and ecash. In particular, eCash was issued by Dutch DigiCash since October 1994 and is the first electronic money to be paid over the Internet. To use ecache, you first use ecache client software to find ecache at your bank, store it on your computer, buy certain items from a store that sells it, and pay for it. This cash is refundable, so shops can offer goods or services right away.

In recent years, a card has appeared to have a dedicated function (for example, a bus-only card, a debit card, a credit card, etc.) according to the payment form of the electronic wallet-type electronic money.

However, such a dedicated function is rather inconvenient that the customer has to carry a large number of cards, in particular because the subscriber does not have a free selective linkage between the desired account and electronic wallet type electronic money is very inconvenient.

That is, because a single account is linked to only a single electronic money, or electronic money that does not link itself, such as a credit card is common, the subscriber is responsible for the usage fee of the bank or credit card company according to the purchase price through the electronic money. It is inconvenient to re-transfer frequently to a specific account when making a payment.

In addition, in the case of a card where a basic authentication process for inputting an authentication password such as a password is omitted, or a card that is pre-filled with cash data such as a transportation card, if the card is lost, the card may be charged up to the amount or credit limit. There is a problem that the amount of damage can be seen.

The present invention has been made in view of the above-described state of the art, and the electronic money online integrated financial transaction system, which enables a user to select and settle a specific account at the time of payment by linking multiple accounts owned by a single subscriber to a single electronic money, and The purpose is to provide a method.

Another object of the present invention is to integrate a number of accounts owned by a single subscriber, the online priority of the electronic money to set the payment priority at the time of card issuance so that the deposit can be withdrawn in the order of the priority at the time of payment Its purpose is to provide a financial transaction system and method thereof.

Another object of the present invention is to link a number of accounts owned by a single subscriber, and in advance to set the settlement of payment for a certain period when the card is issued so that the amount can be paid only by performing a separate authentication action if exceeded The purpose of the present invention is to provide an online integrated financial transaction system and method of electronic money.

Another object of the present invention is to link a number of accounts owned by a single subscriber, and set a limit of the amount that can be paid at the time of card issuance in advance, so that if the amount is exceeded, additional payment must be performed for additional authentication. The purpose is to provide an online integrated financial transaction system and method of an electronic money.

Another object of the present invention is to link a plurality of accounts including the account of the negative card, to make a payment account priority, and if the remaining amount is insufficient in the deposit account of the electronic money to make a payment through the negative account The purpose is to provide an online integrated financial transaction system and method thereof.

Another object of the present invention is to link the multiple accounts and credit card accounts owned by the subscriber, to make payments in the deposit account priority, if the remaining amount in the deposit account is insufficient to make a credit payment through a credit card account Its purpose is to provide an online integrated financial transaction system and method thereof.

1 is a schematic diagram showing the configuration of an online integrated financial transaction system of electronic money according to a first embodiment of the present invention,

2 is a block diagram showing the configuration of the online integrated financial server according to the first embodiment of the present invention;

3 is a table showing account information included in electronic money according to a first embodiment of the present invention;

4 is a view showing an account linked state using an online integrated financial transaction system of electronic money according to a first embodiment of the present invention,

5 is a flowchart illustrating a purchase and payment processing state through an online integrated financial transaction system of electronic money according to a first embodiment of the present invention;

6A is a flowchart illustrating a process of making a payment through an account selected by a subscriber using an online integrated financial transaction system of electronic money according to a first embodiment of the present invention;

6B and 6C are flowcharts illustrating a process of making a payment using electronic money in which a payment limit is set using an online integrated financial transaction system of electronic money according to a first embodiment of the present invention;

6d is a flowchart illustrating a payment process in which a negative account is interworked using an online integrated financial transaction system of electronic money according to a first embodiment of the present invention;

7 is a schematic diagram showing the configuration of an online integrated financial transaction system of electronic money according to a second embodiment of the present invention;

8 is a flowchart illustrating a signal flow of an online integrated financial transaction system of electronic money according to a second embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

C1 to Cn: card, A1 to An: card terminal,

B1 to Bn: financial server, CS1 to CSn: credit card server,

OIBS: Online Integrated Financial Server.

In order to achieve the above object, according to a preferred embodiment of the present invention a plurality of account information, card information, customer information card; A plurality of card terminals for reading embedded information from the card; A plurality of financial servers which provide a plurality of account information to the card terminal side, and withdraw the deposit from a specific account selected by the customer according to the payment request signal for the purchase price of the customer and perform payment processing for the seller; Online payment of electronic money, characterized in that it is connected to the card terminal so that the payment can be selectively linked to a plurality of accounts when using a card, and an online integrated financial server that processes various payment data in connection with a financial server. An integrated financial transaction system is provided.

Preferably, the account information stored in the card is an integrated online banking financial transaction system of the electronic money, characterized in that the information on a plurality of bank codes, passwords, transaction history, financial company name, bank number, account holders linked to each other Is provided.

Preferably, the online integrated financial server and the communication module for transmitting and receiving payment data for the card terminal and the financial server; A customer information manager for managing customer information; An account manager that manages account information for each customer in a code state in association with the customer information manager; A financial company management unit linked with the account management unit to manage financial company information corresponding to each account code when a payment request is made; A seller manager for managing pre-registered seller information; A signal processing unit which performs signal processing on a payment and a payment request signal applied through the communication module; A processing history transmitter for transmitting the payment processing details to the card terminal in which the corresponding card is read; A customer information DB for storing customer information; An account information DB for storing account information stored in each card; A financial company information DB for storing financial company information for each account code; A seller information DB for storing previously registered seller information; A processing history information DB for storing payment processing history information; When the payment request information via the card is transmitted from the card terminal, the controller analyzes the corresponding card information and transmits the withdrawal request data from a specific account among a plurality of accounts determined by the subscriber to perform the payment. An online integrated financial transaction system for electronic money is provided.

Preferably, the control unit is provided with an online integrated financial transaction system of electronic money, characterized in that the withdrawal processing for the payment price from the account according to the priority according to the priority information of the account previously designated by the subscriber when the card is issued. .

Preferably, the control unit may perform the payment processing by setting the withdrawal processing for the payment price from the deposit account to the negative deposit account, and linked with the account of the credit card to perform the payment processing from the credit card account. There is provided an online integrated financial transaction system for electronic money, which can be performed in order.

On the other hand, the present invention is a system that allows a plurality of deposit accounts linked to a single card payment, the process of the customer to determine the purchase of a specific product; Selecting a specific account among a plurality of accounts linked to the card for payment; Performing an authentication process by inputting a password of the selected account; Searching for a corresponding account based on the account information and performing a payment process; There is provided an online integrated financial transaction method of electronic money, which comprises a process of transmitting the details of payment processing to the card terminal.

Preferably, the payment processing process is a real-time payment from the financial company to the seller, or is provided any one of the online integrated financial transaction method of electronic money, characterized in that any one of the settlement processing in a state in which payment information is collected for a certain period.

Preferably, when the amount of money to be settled from the card is set in advance, determining whether the set amount is greater than the set amount; Payment processing when the set amount is larger than the set amount; When the set amount is smaller than the settled amount, an online integrated financial transaction method of electronic money is provided, which further includes a process of checking and confirming a password.

On the other hand, the present invention is a system for allowing a plurality of deposit accounts linked to a single card payment, the process of the customer wishes to issue a linked card; Registering payment priority information for a plurality of accounts; Determining, by the customer, the purchase of a particular product; Reading the registered card information of the priority account by reading the card; Provided is an online integrated financial transaction method of electronic money, which comprises a process of performing payment processing from a financial company to a seller.

Preferably, the process of determining whether the remaining amount of the deposit account is greater than the payment amount; Allowing the client to access a negative account when the remaining amount of the deposit account is less than the payment amount; There is provided an online integrated financial transaction method of electronic money, characterized in that it further comprises the process of payment processing from the financial company to the seller.

In addition, the present invention is a card that stores a plurality of account information, card information, customer information; A plurality of card terminals for reading embedded information from the card; A plurality of financial servers which provide a plurality of account information to the card terminal side, and withdraw the deposit from a specific account selected by the customer according to the payment request signal for the purchase price of the customer and perform payment processing for the seller; A credit card server that provides a credit card account held by the customer so as to be linked with the financial server to make a payment through a credit card account together with payment through deposit withdrawal; It is linked with the card terminal so that the payment can be selectively linked to a plurality of accounts at the time of payment using a card, and is connected to a financial server and a credit card server, characterized in that it is configured as an online integrated financial server for processing various payment data An online integrated financial transaction system of electronic money is provided.

On the other hand, the present invention is a system for allowing a plurality of deposit accounts linked to a single card payment, the process of the customer wishes to issue a linked card; Registering payment priority information for a plurality of accounts; Determining, by the customer, the purchase of a particular product; Reading the registered card information of the priority account by reading the card; Determining whether the remaining amount of the deposit account is greater than the settlement amount; Accessing a credit card server when the remaining amount of the customer's savings account is smaller than the payment amount; There is provided an online integrated financial transaction method of electronic money, which comprises a process of performing a credit settlement process from a credit card company to a seller.

EMBODIMENT OF THE INVENTION Hereinafter, this invention is demonstrated in detail with reference to drawings.

1 is a schematic diagram showing the configuration of an online integrated financial transaction system of electronic money according to a first embodiment of the present invention.

Referring to this, the online integrated financial transaction system of electronic money according to the first embodiment of the present invention is basically linked to electronic money such as a single card by pre-accounting accounts with a plurality of financial companies owned by a single subscriber. Payment can be made by selecting an account. Therefore, the online integrated financial transaction system of electronic money according to the present invention is provided with cards C1 to Cn in which various kinds of financial information are stored, and a plurality of card terminals for reading embedded information from the cards C1 to Cn. (A1 to An) are provided.

At this time, the information stored in the cards (C1 ~ Cn) are personal information, card unique number, a plurality of account information, card information, etc. that can be linked to payment, account information is a plurality of bank codes, passwords, transaction details associated with , Financial company name, bank number, account holder, etc. In the account information, the above-mentioned field constitutes one record, and one credit information directory (file) may include a plurality of records. When additional data is needed, a subdirectory is created in the corresponding directory. Can be stored.

In addition, the electronic money online integrated financial transaction system according to the present invention provides a plurality of account information to the card terminals A1 to An and performs a payment process for the sellers S1 to Sn. Bn) is provided, linked with the card terminals (A1 to An) so that payments can be made by selectively linking a plurality of accounts when using the cards C1 to Cn, and linked to the financial servers B1 to Bn to make various payments. An online integrated financial server (OIBS) for processing data is provided.

In addition, the online integrated financial transaction system of electronic money according to the first embodiment of the present invention is linked to a number of accounts owned by the subscriber, the payment priority is set at the time of card issuance by depositing in order of the priority It can be withdrawn and settled.

That is, when issuing a card to a specific subscriber, priority information of a plurality of accounts selected by the subscriber is registered so that the deposit can be withdrawn from the priority account of the subscriber based on the priority information at the time of payment. .

In addition, the on-line integrated financial transaction system of the electronic money must link multiple accounts owned by a single subscriber, and when the card issuance is set in advance for a certain period of time, and if the amount is exceeded, additional authentication should be performed. Can be settled only, link multiple accounts owned by a single subscriber, and set a limit on the amount that can be paid at one time when issuing a card. Make sure

The online integrated financial transaction system according to the present invention can conveniently withdraw cash regardless of whether or not a credit card is used by using a cash machine or a cash dispenser distributed everywhere, as well as a card terminal (A1 to An) provided in a merchant. ) Can be used like a credit card. Therefore, it is preferable that the online integrated financial transaction system basically inputs an authentication password such as a password while being used as a concept of a debit card filled with a predetermined amount.

As another example, it is possible to use a concept of a debit card up to a predetermined predetermined amount, and to input an authentication password such as a password for payment of the excess amount. At this time, the setting of the degree of use can be limited to a certain period or the number of times.

In other words, if the amount paid for a certain period exceeds the preset amount, the user may enter an authentication password.If payment is made more than a certain number of times, the authentication password may be entered. Can be entered.

In addition, the electronic money online integrated financial transaction system links multiple accounts including the account of the negative card, performs the payment by deposit account priority, and makes a payment through the negative account when the remaining amount is insufficient in the deposit account. Do it.

Through this, the online integrated financial transaction system of electronic money can be used, including the concept of a credit card, so that payment can be made through a card terminal provided in a merchant without a separate credit card. In this case, if necessary, the online integrated financial server OIBS may interwork with a system of a van company to process data.

2 is a block diagram showing the configuration of the online integrated financial server according to the first embodiment of the present invention.

Referring to this, the online integrated financial server (OIBS) is a communication module, customer information management unit, account management unit, financial company management unit, seller management unit, signal processing unit, processing history transmission unit, customer information DB, account information DB, financial company information DB, It consists of a seller information DB, a process history information DB, and a control part.

In more detail, reference numeral 2 denotes a communication module for transmitting and receiving payment data for the card terminals A1 to An and the financial servers B1 to Bn, and the communication module 2 can process wired and wireless data. The data interface unit is provided therein, and the package security processing module is also provided therein.

Reference numeral 4 denotes a customer information management unit for managing customer information, reference numeral 6 denotes an account management unit for managing account information for each customer in a code state in connection with the customer information management unit 4, and reference numeral 8 denotes the above. It is linked with the account management unit 6 represents a financial company management unit for managing the financial company information corresponding to each account code when the payment request.

Reference numeral 10 denotes a seller management unit that manages pre-registered seller information, and reference numeral 12 denotes a signal processing unit that performs signal processing on payment and payment request signals authorized through the communication module 2.

Reference numeral 14 denotes a transaction history transmission unit for transmitting the payment processing details to the card terminal in which the corresponding card is read, reference numeral 16a denotes a customer information DB storing customer information, and reference numeral 16b denotes account information stored in each card. Denotes an account information DB for storing the financial information, and reference numeral 16c denotes a financial company information DB for storing financial company information for each account code.

In addition, reference numeral 16d denotes a seller information DB for storing previously registered seller information, and reference numeral 16e denotes a transaction history information DB for storing payment processing history information.

Reference 18 indicates that when the card-mediated payment request information is transmitted from the card terminal, the card information is analyzed, and the subscriber pays the withdrawal request data from a specific account among a plurality of accounts determined by the subscriber to perform the payment. The control unit is shown.

In addition, the control unit 18 performs the withdrawal processing for the payment price from the account for each rank according to the priority information of the account previously designated by the subscriber when issuing the card. In addition, the control unit 18 may perform the payment processing by setting the withdrawal processing for the payment price from the deposit account to the negative deposit account, and also interlocks with the account of the credit card to credit the payment processing from the deposit account. This can be done in card account order.

3 is a table showing account information included in electronic money according to a first embodiment of the present invention.

Referring to this, the card (C) provided by the online integrated financial transaction system according to the present invention preferably does not include customer identification information therein, and includes card information and account information, the account information (20). ) Is stored in the form of a table memory 20, and the bank code 20a, the password 20b for each account, the transaction history 20c, the financial company name 20d, the account number 20e, and the account holder 20f. The data is saved.

4 is a diagram illustrating an account interworking state using an online integrated financial transaction system of electronic money according to a first embodiment of the present invention.

Referring to this, when the subscriber 100 intends to perform the payment of the purchase price of goods through the card C, the online integrated financial server OIBS analyzes the data transmitted through the card terminal A1. .

That is, if there is a priority registered by reading the account number from the account information stored in each card (C), the accounting company transmits the account number information, subscriber information, and payment information to request payment processing.

At this time, the financial company reads the data files 30a to 30n for the corresponding account number, searches for balance information, and the like to determine whether payment is possible, and performs a payment process if a balance remaining exists. In other words, according to the seller information of the payment information provided from the online integrated financial server (OIBS), it is possible to perform a bank transfer process in real time, or collect the payment information for a certain period and then collectively process it.

5 is a flowchart illustrating a purchase and payment processing state through an online integrated financial transaction system of electronic money according to a first embodiment of the present invention.

First, at least one seller (S) in the state registered seller information in the online integrated financial server (OIBS), the customer 100 makes a purchase decision of a specific product by searching the product information posted by the seller, and When the payment for the card is to be performed by the card, the customer 100 may select a specific account from a plurality of accounts linked with the card.

In this case, if the payment priority of the account linked to the card is set in advance, the online integrated financial server OIBS performs account authentication for at least one financial company 200 corresponding to the account. Account authentication verifies the password included in the account information and balance information for payment.

If the account balance for each priority is less than the payment price, the next priority account is searched for payment processing. In this case, the payment processing may be a real-time payment from the financial company 200 to the seller (S), or may be processed collectively in a state in which payment information is collected for a certain period of time.

In addition, when payment processing is completed, the financial institution 200 transmits payment information to the online integrated financial server OIBS, and the online integrated financial server OIBS transmits payment information to the customer 100.

The function and operation of the online integrated financial transaction system of electronic money according to the first embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

6A is a flowchart illustrating a process of making a payment through an account selected by a subscriber using an online integrated financial transaction system of electronic money according to a first embodiment of the present invention.

First, the customer 100 searches the product information posted by the seller (first step: ST-1) and makes a purchase decision of a specific product (second step: ST-2), and pays for the payment by card. At this time, the customer 100 may select a specific account from a plurality of accounts linked with the card (step 3: ST-3).

In this case, the card terminals A1 to An read card information (step 4: ST-4) and transmit account information and customer information to the online integrated financial server OIBS (step 5: ST-5). ).

If the settlement priority of an account linked to the card is set in advance, the online integrated financial server OIBS performs account authentication for at least one financial company 200 corresponding to the account. Account authentication verifies the password included in the account information and balance information for payment.

In addition, even when the customer selects a specific account, the card is authenticated by inputting a password. Through the authentication password such as the password, it is determined whether the corresponding subscriber and the card are the authentication card (Step 6: ST). -6).

When the first authentication of the card is performed, the payment information is transmitted to the financial company corresponding to the account (step 7: ST-7). The financial company searches for the corresponding account based on the payment information and performs payment processing (ST-8: ST-8).

In addition, when payment processing is completed, the financial institution 200 transmits payment information to the online integrated financial server OIBS, and the online integrated financial server OIBS transmits payment information to the customer 100 (ninth) Step: ST-9).

In this case, the payment processing may be a real-time payment from the financial company 200 to the seller (S), or may be processed in a batch in a state in which payment information is collected for a predetermined time (step 10: ST-10). On the other hand, if the card authentication fails, the non-payment information is output to the card terminals A1 to An (11th step: ST-11).

6B and 6C are flowcharts illustrating a process of making a payment using electronic money in which a payment limit is set using an online integrated financial transaction system of electronic money according to a first embodiment of the present invention.

The on-line integrated financial server OIBS can be applied so that the authentication processing method differs depending on a predetermined amount limit between the card terminals A1 to An and the financial company.

First, when the customer 100 wishes to issue an interlocking card (step 20: ST-20), the online integrated financial server OIBS may set a limit of a payment amount for the corresponding card in advance. Step 21: ST-21).

When the card payment limit is set, the online integrated financial server OIBS issues a card to the customer (step 22: ST-22). At this time, when the customer selects a specific product (step 23: ST-23) and selects a specific account included in the card information for payment (step 24: ST-24), the online integrated financial server (OIBS) Determining whether the sum of the settlement amount for a predetermined period including the corresponding settlement amount is less than or equal to the set amount (step 25: ST-25).

If the sum of payments for a certain period including the corresponding payment amount is larger than the set amount, the password is input by a separate authentication process (step 26: ST-26) and it is determined whether the password matches the previously stored value. (Step 27: ST-27), the payment is matched when the password is matched, and if the mismatch is not separately transmitted to the card terminal (step 28: ST-28).

In addition, if the sum of payments for a predetermined period including the payment amount is less than or equal to the set amount, payment information is transmitted to the financial institution (step 29: ST-29) to allow the payment processing (step 30: ST). -30).

In the case of FIG. 6C, in the case of setting a predetermined amount of payment per payment in advance, the payment processing process is illustrated. First, when the customer 100 wishes to issue an interlocking card (step 40: ST-40), The online integrated financial server OIBS may set a limit of a payment amount for the corresponding card in advance (step 41: ST-41).

If the card payment limit is set, the online integrated financial server OIBS issues a card to the customer (step 42: ST-42). At this time, when the customer selects a specific product (step 43: ST-43) and selects a specific account included in the card information for payment (step 44: ST-44), the online integrated financial server (OIBS) Determines whether the corresponding payment amount (per one time) is less than or equal to the set amount (step 45: ST-45).

If the payment amount per time is greater than the set amount, the password is input by a separate authentication process (step 46: ST-46) and it is determined whether the password matches the previously stored value (step 47: ST). -47), the payment is made when the password matches, and if the mismatch is not separately transmitted to the card terminal side (step 48: ST-48).

In addition, when the payment amount is less than or equal to the set amount, the payment information is transmitted to the financial institution (step 49: ST-49) for payment processing (step 50: ST-50).

FIG. 6D is a flowchart illustrating a payment process in which a negative account is linked using an online integrated financial transaction system of electronic money according to a first embodiment of the present invention.

By using the online integrated financial server (OIBS) according to the present invention to match a plurality of accounts in advance to a single card so that the interworking process can be performed at the time of payment, the scheme is designated a specific account as shown in Figures 6a, 6b, 6c And a method of registering the priority of the payment account in advance, and a method of registering and prioritizing the priority of the payment account including the negative deposit account.

In FIG. 6D, a process of registering and prioritizing a priority of a payment account including a negative deposit account will be described.

First, when the customer 100 wishes to issue an interlocking card (step 60: ST-60), the online integrated financial server OIBS sets the priority of payment of a plurality of accounts set to be linked to the corresponding card. Allow input (step 61: ST-61).

When the customer inputs a payment priority for a plurality of accounts, the online integrated financial server OIBS registers the corresponding priority account information (step 62: ST-62). At this time, when the customer selects a specific product (step 63: ST-63), the online integrated financial server (OIBS) retrieves the account priority information of the customer (step 64: ST-64).

The online integrated financial server OIBS determines whether the balance of the ranking account is greater than the settlement amount (step 65: ST-65).

If the payment amount is smaller than the remaining amount of the savings account, withdraw the deposit from the account (step 66: ST-66), and if the payment amount is larger than the remaining amount of the savings account, the negative bank account The payment information is transmitted to the financial institution (step 67: ST-67) to allow payment processing (step 68: ST-68). Therefore, through this, the present invention can perform payment processing through a negative deposit like a kind of credit card using a single card.

Hereinafter, an online integrated financial transaction system for electronic money according to a second embodiment of the present invention will be described in detail with reference to the accompanying drawings.

7 is a schematic diagram showing the configuration of an online integrated financial transaction system of electronic money according to a second embodiment of the present invention.

Referring to this, the online integrated financial transaction system of electronic money according to the second embodiment of the present invention interlocks a plurality of subscriber-owned accounts and credit card accounts, performs payments in a deposit account priority, and the remaining amount is stored in the deposit account. If it is not enough, you can use a credit card account to make a payment.

Accordingly, the online integrated financial transaction system for electronic money according to the second embodiment of the present invention is provided with an online integrated financial server (OIBS) that performs payment processing by interworking a plurality of deposit accounts and credit card accounts for a specific card. The online integrated financial server OIBS is connected to at least one financial server B1 to Bn and a credit card server CS1 to CSn, each of which has a savings account, via a data communication network.

The function and operation of the online integrated financial transaction system of electronic money according to the second embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

8 is a flowchart illustrating a signal flow of an online integrated financial transaction system of electronic money according to a second embodiment of the present invention.

First, when the customer 100 wishes to issue an interlocking card (step 70: ST-70), the online integrated financial server OIBS sets the priority of payment of a plurality of accounts set to be linked to the corresponding card. And input the credit card information (step 71: ST-71).

When a customer inputs a payment priority for a plurality of deposit accounts and credit card accounts, the online integrated financial server OIBS registers the corresponding priority account information (step 72: ST-72). At this time, if the customer selects a specific product (step 73: ST-73), the online integrated financial server (OIBS) retrieves the account priority information of the customer (step 74: ST-74).

The online integrated financial server OIBS determines whether the balance of the ranking account is greater than the settlement amount (step 75: ST-75).

If the payment amount is smaller than the remaining amount of the deposit account, withdraw the deposit from the account (step 76: ST-76), and if the payment amount is larger than the remaining amount of the deposit account, the credit card company The payment request information is transmitted (step 77: ST-77) to allow payment processing (step 78: ST-78).

On the other hand, the online integrated financial transaction system and method of electronic money according to an embodiment of the present invention is not limited only to the above-described embodiment and various modifications can be made without departing from the technical gist of the present invention.

As described above, the electronic money online integrated financial transaction system and method according to the present invention by linking a plurality of deposit accounts to a single card to select a particular account of the deposit account at the time of payment, or priority by account The payment can be made according to the priority, so that the customer can perform a very convenient payment. As the payment is performed with a kind of debit card concept, the seller can make a real-time payment. Therefore, there is an advantage that the seller can quickly recover the payout.

In addition, the present invention is also linked to the negative account and credit card account, the balance of other deposit account is less than the amount of payment, the automatic payment through the negative account and credit card account, so that the convenient payment, including the credit card function There is an effect that payment can be made.

Claims (12)

A card in which a plurality of account information, card information, and customer information are stored; A plurality of card terminals for reading embedded information from the card; A plurality of financial servers which provide a plurality of account information to the card terminal side, and withdraw the deposit from a specific account selected by the customer according to the payment request signal for the purchase price of the customer and perform payment processing for the seller; Online payment of electronic money, characterized in that it is connected to the card terminal so that the payment can be selectively linked to a plurality of accounts when using a card, and an online integrated financial server that processes various payment data in connection with a financial server. Integrated Financial Transaction System. The method of claim 1, wherein the account information stored in the card is linked to a plurality of bank codes, passwords, transaction history, financial company name, account number for each bank, information on the account holders of the electronic money online integrated finance Trading system. The online integrated financial server of claim 1, further comprising: a communication module for transmitting and receiving payment data for the card terminal and the financial server; A customer information manager for managing customer information; An account manager that manages account information for each customer in a code state in association with the customer information manager; A financial company management unit linked with the account management unit to manage financial company information corresponding to each account code when a payment request is made; A seller manager for managing pre-registered seller information; A signal processing unit which performs signal processing on a payment and a payment request signal applied through the communication module; A processing history transmitter for transmitting the payment processing details to the card terminal in which the corresponding card is read; A customer information DB for storing customer information; An account information DB for storing account information stored in each card; A financial company information DB for storing financial company information for each account code; A seller information DB for storing previously registered seller information; A processing history information DB for storing payment processing history information; When the payment request information via the card is transmitted from the card terminal, the controller analyzes the corresponding card information and transmits the withdrawal request data from a specific account among a plurality of accounts determined by the subscriber to perform the payment. On-line integrated financial transaction system of electronic money. The online integrated financial transaction system of claim 3, wherein the controller performs a withdrawal processing for payment from an account according to the priority according to the priority information of the account previously designated by the subscriber when issuing the card. . The method of claim 3, wherein the control unit can perform the payment processing by setting the withdrawal processing for the payment price from the deposit account to the negative account in advance, and linked with the account of the credit card to the payment processing from the deposit account. An online integrated financial transaction system for electronic money, which can be performed in the order of credit card accounts. In a system that allows multiple deposit accounts to be linked to a single card, Determining, by the customer, the purchase of a particular product; Selecting a specific account among a plurality of accounts linked to the card for payment; Performing an authentication process by inputting a password of the selected account; Searching for a corresponding account based on the account information and performing a payment process; The online integrated financial transaction method of electronic money, characterized in that consisting of the process of transmitting the details of the payment process to the card terminal. The method of claim 6, wherein the payment processing process is one of real-time payment from a financial company to a seller or payment which is processed in a batch in a state in which payment information is collected for a predetermined period of time. The method of claim 6, further comprising: determining whether the set amount is greater than the set amount if the amount of money settled from the card is set in advance; Payment processing when the set amount is larger than the set amount; If the set amount is less than the payment amount, the online integrated financial transaction method of electronic money, characterized in that it further comprises the process of payment after confirming the password. In a system that allows multiple deposit accounts to be linked to a single card, A process in which the customer wishes to issue a linked card; Registering payment priority information for a plurality of accounts; Determining, by the customer, the purchase of a particular product; Reading the registered card information of the priority account by reading the card; On-line integrated financial transaction method of electronic money, characterized in that the payment process is made from the financial company to the seller. 10. The method of claim 9, further comprising: determining whether the remaining amount of the deposit account is greater than the settlement amount; Allowing the client to access a negative account when the remaining amount of the deposit account is less than the payment amount; On-line integrated financial transaction method of electronic money characterized in that it further comprises the process of payment processing from the financial company to the seller. A card in which a plurality of account information, card information, and customer information are stored; A plurality of card terminals for reading embedded information from the card; A plurality of financial servers which provide a plurality of account information to the card terminal side, and withdraw the deposit from a specific account selected by the customer according to the payment request signal for the purchase price of the customer and perform payment processing for the seller; A credit card server that provides a credit card account held by the customer so as to be linked with the financial server to make a payment through a credit card account together with payment through deposit withdrawal; It is linked with the card terminal so that the payment can be selectively linked to a plurality of accounts at the time of payment using a card, and is connected to a financial server and a credit card server, characterized in that it is configured as an online integrated financial server for processing various payment data Online integrated financial transaction system of electronic money. In a system that allows multiple deposit accounts to be linked to a single card, A process in which the customer wishes to issue a linked card; Registering payment priority information for a plurality of accounts; Determining, by the customer, the purchase of a particular product; Reading the registered card information of the priority account by reading the card; Determining whether the remaining amount of the deposit account is greater than the settlement amount; Accessing a credit card server when the remaining amount of the customer's savings account is smaller than the payment amount; An online integrated financial transaction method of electronic money, characterized in that the process of the credit settlement process from the credit card company to the seller.